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Stafford Loans

A Stafford loan is a federally guaranteed low interest loan which is offered through the Ohio Student Aid Commission (OSAC) or the
Pennsylvania Higher Education Assistance Agency (PHEAA). These loans are sometimes referred to as an "OSAC" or "PHEAA" or "GSL" (Government Student Loan)
loan. These loans are designed for students attending approved colleges, vocational schools or technical schools.

Your eligibility for a Stafford
Loan is based on your income and your financial need. Standards are set by the U.S. Department of Education. You may be eligible for a Stafford Loan if you:

Are a U.S. citizen or national with permanent residence.

Are a Pennsylvania resident or are attending a Pennsylvania school.

Have no defaults on previous government guaranteed loans.

Are attending school on at least a half-time basis.

Maintain satisfactory academic progress as determined by your school.

You may qualify for an Unsubsidized Stafford Loan even if your family income exceeds the guidelines.

The variable interest rate is set annually
by the Department of Education on July 1. There is an originator's fee of 3% plus up to 1% for insurance, which is charged on each Stafford Loan and is
deducted from the loan disbursement(s). Principal and interest payments are deferred until six months after leaving school.

The Stafford Loan
application Promissory Note contains detailed loan program information. If you have additional questions about applying for a Stafford Loan, or about an
existing student loan, please ask a Dollar Bank Representative.

The information presented in this publication is general in nature; it is not our intention to provide specific
advice to individuals or a comprehensive discussion of the subject matter. We suggest that you consult with your
financial or tax advisor, accountant or attorney to obtain specific advice or comprehensive information.